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Make a 13-week cash forecast to get through the quiet months

January or the summer lull is coming, and you're not sure the bank balance will cover the bills. Get a week-by-week cash forecast in a free spreadsheet that shows the tight weeks early.

Updated 17 Oct 2026

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The prompt · ChatGPT

Help me build a 13-week cash forecast.

My business: [what you do and when it's quiet]
Bank balance today: [amount]
Expected money in by week: [sales, invoices due, or a weekly average]
Regular money out: [wages, rent, suppliers, drawings, loans]
Big one-off payments coming: [VAT, tax, insurance, annual software]
How reliably customers pay: [e.g. most pay late by 2 weeks]

First ask me up to 5 short questions. Wait for my answers.

Then:
1. A 13-week table: week, opening balance, in, out, closing balance.
2. The tightest weeks highlighted, and why.
3. Actions ranked by effect: chase invoices, move a payment date, a quiet-season offer, delay a purchase.
4. A Google Sheets layout with formulas so I can update it in 10 minutes each Monday.
5. A trigger point for talking to my bank or accountant.

Use my figures only; show the sums. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts or figures. UK English.

Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.

A short example

Fill the blanks, then paste. what you do and when it's quiet: a short note you already have. amount: a short note you already have. Leave the rest of the prompt as written.

1

You list your expected money in and out for the next three months.

2

The assistant asks about annual bills, tax dates and how reliably customers pay.

3

You get a 13-week forecast, the tightest weeks highlighted, actions to fix them and a sheet you update weekly.

What happens

Use ChatGPT to make a 13-week cash forecast to get through the quiet months

January or the summer lull is coming, and you're not sure the bank balance will cover the bills. Get a week-by-week cash forecast in a free spreadsheet that shows the tight weeks early.

Tools

Paste the prompt, fill the blanks, copy the draft.

  • ChatGPT — required. Drafts from the text you paste. Nothing is sent.

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